FDIC Certificate #: 9637 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Harvard State Bank (#9079) Federal Reserve ID: 878834 Date Established: May 22, 1920 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 6161 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: September 22, 2001 Last Structure Change Process Date: October 25, 2001 Last Data Update: October 25, 2001 Data Source Date: April 05, 2012
Location
Address: 9605 Main Street, Hebron, IL 60034 County: Mchenry Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
Financial Summary
Total assets: $27.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
9Total employees (full-time equivalent)
$25,564Total assets
$1,288Cash and due from depository institutions
$0Interest-bearing balances
$6,587Securities
$424Federal funds sold & reverse repurchase agreements
$16,867Net loans & leases
$162Loan loss allowance
$0Trading account assets
$208Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$190All other assets
$25,564Total liabilities and capital
$22,535Total liabilities
$22,421Total deposits
$18,836Interest-bearing deposits
$22,421Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$114All other liabilities
$3,029Total equity capital
$3,029Total bank equity capital
$3,029Perpetual preferred stock
$0Common stock
$150Surplus
$725Undivided profits
Memoranda
$2,154Noncurrent loans and leases
$470Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$177Earning assets
$0Long-term assets (5+ years)
$89Average Assets, year-to-date
$23,878Average Assets, quarterly
$2,720Volatile liabilities
$25,713Insider loans
$25,844FHLB advances
$2,304Loans and leases held for sale
$64Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$470Total unused commitments
$0Restructured Loans and leases
$162Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$1,804Total interest income
$821Total interest expense
$983Net interest income
$20Provision for loan and lease losses
$109Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
$20Additional noninterest income
$702Total noninterest expense
$490Salaries and employee benefits
$91Premises and equipment expense
$121Additional noninterest expense
$370Pre-tax net operating income
$0Securities gains (losses)
$83Applicable income taxes
$287Income before extraordinary items
$0Extraordinary gains - net
$287Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$13Sale, conversion, retirement of capital stock, net
$108Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.55%Yield on earning assets
3.44%Cost of funding earning assets
4.11%Net interest margin
0.46%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
1.12%Net operating income to assets
1.12%Return on assets (ROA)
1.44%Pretax return on assets
9.74%Return on equity (ROE)
6.08%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
153.85%Credit loss provision to net charge-offs
30.00%Efficiency ratio
64,286Assets per employee
2.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.63%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
91.53%Noncurrent assets plus other real estate owned to assets
0.69%Noncurrent loans to loans
1.04%Net loans and leases to deposits
75.23%Net loans and leases to core deposits
83.84%Equity capital to assets
11.85%Core capital (leverage) ratio
11.04%Tier 1 risk-based capital ratio
20.41%Total risk-based capital ratio
Memoranda
$22Average assets
$25,713Average earning assets
$2,946Average equity
$23,890Average loans
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